Indian Bank · NSE:INDIANB
Indian Bank — Q4 FY2022 Earnings Presentation
52 slides from Indian Bank's earnings presentation, May 11, 2022
Slide 1: Cover letter to stock exchanges: presentation on audited results
n i Indian Bank .w'rEftE wrErcr-dir 254-260, 3f4 IH tii a 4,e141114114 ALLANAUD - 600 014 tra-r4 Corporate Office INVESTOR SERVICES CELL 254-260, Avvai Shanmugam Salai, / website: www.indian ba n k. in Royapettah, Chennai - 600 014 1410 / e-mail: ibinvestorrelations@indianbank.co.in V3TV/Phone: 044-
Slide 2: Performance Analysis Q4 / FY 21-22
Your own Bank, Always with You ` Performance Analysis ` Q4 / FY 21-22 Overcome your financial Build a good habit of saving challenges IB Smart Kid Savings IB Kisan Credit Card (KCC) Account ` Celebrating our Journey of Trust ` ` Safeguard transactions with a touch Create your own business Drive towa
Slide 3: Contents
Contents 01 Performance Highlights 02 Business Snapshot 03 Financials 04 Capital & Risk Management 05 Asset Quality 06 Financial Inclusion 07 Digital Banking & Business Network 08 Initiatives, Awards & Accolades 2/51
Slide 4: Performance Highlights Q4 / FY 22
01 Performance Highlights Q4 / FY 22 3/51
Slide 5: Performance Highlights FY 22 (YoY)
Performance Highlights FY 22 ( YoY) 9% Business `10.1 lakh Cr `5.9 lakh Cr `4 .2 lakh Cr Business Deposits Advances CASA% SB: 8% 9% 10% 6% CA: 14% CD Ratio `2.43 lakh Cr `80433 Cr `88100 Cr `74167 Cr RAM Retail Agri MSME 11% 15% 12% 6% 70% Home & `53852 Cr Mortgage 13% Asset Quality Gross 8.47% Net
Slide 6: Business Snapshot
Vo — Azaditea Amrit Mahotsav Business Snapshot
Slide 7: Business Snapshot
Business Snapshot ` in Cr DOMESTIC DEPOSITS Sl No Parameter 31.03.2021 31.12.2021 31.03.2022 Q-o-Q (%) YoY (%) Term Deposits Savings Bank Current account 1 Deposits 538071 562575 593618 6 10 Total Domestic 529264 553537 584661 Domestic 529264 553537 584661 6 10 Deposits 35969 Overseas 8807 9038 8957
Slide 8: Advances (Domestic)
Advances (Domestic) 31.03.2022 ` in Cr Sector 31.03.2021 31.12.2021 31.03.2022 YoY (%) Retail Corporates 20% Gross Advances-Domestic 379537 385095 395698 4 39% Retail 69987 75646 80433 15 Agriculture 78775 85257 88100 12 Domestic Credit M SME 70180 72835 74167 6 Agriculture Total (RAM) 218942 233738
Slide 9: Performance under Priority Sector
Performance under Priority Sector ` in Cr 31.03.2022 Mandatory Achievement (Amt) Achievement Segment Target (Excluding PSLC) (Excluding PSLC) Priority Sector 40% 148806 45.47% Agriculture 18% 68936 21.06% Small /Marginal Farmers 9% 34255 10.47% Weaker Section 11% 41458 12.67% Micro under MSME 7.50%
Slide 10: Sector Deployment – Domestic Advances
Sector Deployment – Domestic Advances ` in Cr % share to % share to Sector 31.03.2021 Gross 31.03.2022 Gross Advances Advances Infrastructure 60849 16 58521 15 Of which Power 18238 5 18543 5 Port and Road Project 10091 2 9011 2 Other infrastructure 32520 9 30967 8 Basic Metal 9700 3 8006 2 Textiles
Slide 11: Rating wise – Domestic Credit
Rating wise – Domestic Credit ` in Cr 31.03.2021 31.12.2021 31.03.2022 External Rating Exposure % to Total Exposure % to Total Exposure % to Total Rated Exposure AAA 34414 16% 36710 16% 37827 17% • More than `10 Cr AA 54498 25% 57004 26% 61530 27% A 49499 22% 58951 27% 56875 25% • For CRE > `5 Cr BB
Slide 12: Standard NBFC Advances
Standard NBFC Advances ` in Cr Standard NBFCs & HFCs as on ` in Cr Standard NBFC 31.03.2021 % 31.12.2021 % 31.03.2022 % 31.03.22 NBFC - PSUs 4801 10% 4573 10% 4659 9% NBFCs NBFC - HFCs 18136 39% 18948 41% 20582 42% Bank sponsored 2260 Private Inst & others 46972 NBFC - MFIs 1624 4% 1889 4% 2238 5% T
Slide 13: Investments - Domestic
Investments - Domestic AFS Book (YoY) ` in Cr Details 31.03.2021 31.12.2021 31.03.2022 YoY (%) SLR Investments 139652 144920 140538 1 Of which Central Government Securities 84814 88726 88284 4 State Government Securities 43880 50546 49634 13 Treasury Bills 10953 5644 2620 -76 Other Approved Securiti
Slide 14: Non SLR Investments
Non SLR Investments ` in Cr Details Mar-21 Dec-21 Mar-22 PSU Bonds 1596 1210 1319 Corporate and Other Bonds 9997 12252 10402 Special Govt.Sec.(Excluding Recap Bonds) 1908 1853 1793 CG Recap.Bond 17927 17927 17927 Share of PSU/Corporate/Others 2221 2304 2313 Venture Capital Fund 82 151 171 Regional R
Slide 15: Financials
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Slide 16: Operating Profit and Net Profit
Operating Profit and Net Profit ` in Cr Quarter Ended Year Ended Sl No Components 31.03.2021 31.12.2021 31.03.2022 Q-o-Q (%) YoY (%) 31.03.2021 31.03.2022 YoY (%) 1 Interest Income 8904 9926 9832 -1 10 39106 38856 -1 2 Interest Expenses 5570 5531 5577 1 0.1 23440 22128 -6 3 Net Interest Income (1-2)
Slide 17: Income
Income ` in Cr Quarter Ended Year Ended Sl No Components 31.03.2021 31.12.2021 31.03.2022 QoQ (%) YoY (%) 31.03.2021 31.03.2022 YoY (%) 1 Interest Income on Advances and Discount on Bills 6025 6860 6635 -3 10 27455 26928 -2 2 Interest on investments 2789 2797 2752 -2 -1 11167 10965 -2 3 Other intere
Slide 18: Fee Income
Fee Income ` in Cr Quarter Ended Year Ended Sl No Components 31.03.2021 31.12.2021 31.03.2022 Q-o-Q (%) YoY (%) 31.03.2021 31.03.2022 YoY (%) 1 Transaction fees 192 184 178 -3 -7 690 700 1 2 Loan processing charges 156 146 173 18 11 526 574 9 3 Commission on Government business 23 13 30 130 33 74 77
Slide 19: Expenses
Expenses ` in Cr Quarter Ended Year Ended Sl No Components 31.03.2021 31.12.2021 31.03.2022 Q-o-Q (%) YoY (%) 31.03.2021 31.03.2022 YoY (%) 1 Interest on deposits 5290 5221 5198 -0.4 -2 22221 20936 -6 2 Interest on borrowings 26 71 148 110 477 401 248 -38 3 Other interest expenses 254 239 231 -3 -9
Slide 20: Overhead Expenses
Overhead Expenses ` in Cr Quarter Ended Year Ended Sl No Components 31.03.2021 31.12.2021 31.03.2022 Q-o-Q (%) YoY (%) 31.03.2021 31.03.2022 YoY (%) 1 Rent, Taxes & Lighting 149 150 173 15 16 603 614 2 2 Depreciation 208 149 145 -2 -30 633 597 -6 3 Insurance 171 190 190 0 11 682 742 9 4 Travelling a
Slide 21: Provisions and Net Profit
Provisions and Net Profit ` in Cr Quarter Ended Year Ended Sl No Components 31.03.2021 31.12.2021 31.03.2022 Q-o-Q (%) YoY (%) 31.03.2021 31.03.2022 YoY % 1 Operating Profit * 2385 3288 2738 -17 15 10967 12717 16 2 Total Provisions * 676 2598 1754 -32 159 7962 8772 10 Of which NPA - Advances 2870 24
Slide 22: Performance Ratios
Performance Ratios % annualised Quarter Ended Year Ended Sl No Parameters 31.03.2021 31.12.2021 31.03.2022 31.03.2021 31.03.2022 1 Cost of Deposits 4.05 3.85 3.88 4.44 3.97 2 Cost of Funds 4.08 3.86 3.80 4.43 3.90 3 Cost to Income Ratio * 51.47 44.75 53.03 48.55 46.21 4 Yield on Advances 6.27 7.19 7
Slide 23: Performance Ratios
Performance Ratios Cost of Deposits (%) Cost of Funds (%) Yield on Advances (%) 4.05 4.05 4.08 4.08 7.06 7.19 3.86 3.85 3.88 3.89 3.86 3.80 6.98 7.00 6.27 QE Mar 21 QE Jun 21 QE Sep 21 QE Dec 21 QE Mar 22 QE Mar 21 QE Jun 21 QE Sep 21 QE Dec 21 QE Mar 22 QE Mar 21 QE Jun 21 QE Sep 21 QE Dec 21 QE Ma
Slide 24: Capital & Risk Management
04 Capital & Risk Management 23/51
Slide 25: Capital Adequacy – Risk Management
Capital Adequacy – Risk Management Parameters 31.03.2021 31.12.2021 31.03.2022 ` in Cr Capital 46845 47274 51100 Common Equity Tier I (CET 1) 33609 34777 38725 CRAR % Additional Tier I 1980 1980 1980 Total 15.71% 15.47% 16.53% Tier II 11256 10517 10395 Total Risk Weighted Assets 298097 305509 308938
Slide 26: Share Holding
Share Holding 31.03.2022 Employees, 1.13% Insurance Companies, 3.69% Government of Mutual Funds, Public & Others, FPI, FII,NRI and India, 20.14% 7.01% Alt. Invest. Funds, 79.86% 2.31% Resident Individual, 5.11% HUF,Trusts, Body Corporate and Clearing Members, 0.89% Pattern of Equity Shareholding Sha
Slide 27: Asset Quality
05 Asset Quality 26/51
Slide 28: Asset Quality - Ratios
Asset Quality - Ratios Amount ` Cr Gross NPA Net NPA Gross NPA Net NPA % 38455 37759 36886 36540 9.85 35214 9.69 9.56 9.13 8.47 12271 12653 11749 3.37 3.47 3.26 10155 8849 2.72 2.27 QE Mar 21 QE Jun 21 QE Sep 21 QE Dec 21 QE Mar 22 QE Mar 21 QE Jun 21 QE Sep 21 QE Dec 21 QE Mar 22 Annualised % PCR (
Slide 29: Movement of NPA
Movement of NPA ` in Cr Quarter Ended Year Ended S No Details 31.03.2021 30.06.2021 30.09.2021 31.12.2021 31.03.2022 31.03.2021 31.03.2022 1 Gross NPA opening balance 35237 38455 37759 36886 36540 41998 38455 ADDITIONS : Fresh Slippages 8292 4204 3952 2732 3298 9152 9807 To old NPAs / Others 21 208
Slide 30: NPA Position – Sector wise
NPA Position – Sector wise ` in Cr 31.03.2021 31.12.2021 31.03.2022 S % to % to % to Sector Gross Gross Gross No respective respective Outstanding respective NPA NPA NPA portfolio portfolio portfolio 1 Retail Credit 2883 4.12 3451 4.56 80433 3553 4.42% Of which Home Loan 1195 2.86 1375 3.08 46557 14
Slide 31: Status of NCLT
Status of NCLT 31.03.2022 Category No.of Accounts Exposure Provision PCR% ` in Cr RBI List I 7 2803 2803 100% RBI List II 10 3432 3432 100% Accounts filed by Bank 25 1455 1453 99.86% Accounts filed by other Banks 171 16307 16245 99.62% Total 213 23997 23933 99.73% FY 2021 Q1 FY22 Q2 FY22 Q3 FY22 Q4
Slide 32: Transfer of NPAs to NARCL
Transfer of NPAs to NARCL Accounts identified by NARCL Indian Bank ` in Cr No of No of accounts Amount Amount accounts 102 198334 34 5438 Phase 1 Accounts identified by NARCL Indian Bank No of No of accounts Amount Amount accounts 22 82496 8* 1923 *3 accounts were resolved; balance in 5 accounts ` 1
Slide 33: SMA Position
SMA Position SMA position ` 5 Cr and above ` in Cr 31.03.2021 31.12.2021 31.03.2022 % To % To % To Standard Respective % to Total Standard Respective % to Total Standard Respective % to Total Sector SMA 1 SMA 2 Total Advances as Sector Standard SMA 1 SMA 2 Total Advances as Sector Standard SMA 1 SMA
Slide 34: Collection Efficiency
Collection Efficiency 99% 99% Corporate 98% 97% 95% 95% Retail Retail 94% 92% 93% MSME Corporate 90% MSME 90% 90% 90% Agriculture 89% 88% 88% Agriculture 88% 85% 85% 78% Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Collection efficiency from Mar'21 to Mar'22 Sector Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Retail 92
Slide 35: Sector wise Restructuring details
Sector wise Restructuring details ` in Cr COVID Restructuring COVID 19 SECTOR Outstanding as Addition during Reduction during the year Outstanding Recovery on 31.03.21 the year as on Percentage (Standard) Of which Recovery NPA 31.03.2022 Upgradation (Standard) No Amt No Amt Amt Amt Amt No Amt % Reta
Slide 36: Financial Inclusion
06 Financial Inclusion 35/51
Slide 37: Financial Inclusion - Performance
Financial Inclusion - Performance S No FI Parameters Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 1 BCs engaged (Nos.) 9161 9186 9224 9322 9657 2 BSBD Accounts (No. in lakhs) 260 260 263 266 267 3 PMJDY Accounts under BSBDA (No. in lakhs) 179 180 182 183 185 4 Balance in PMJDY accounts (` in Cr) 6779 6529 669
Slide 38: Digital Banking & Business Network
07 Digital Banking & Business Network 37/51
Slide 39: Migration to Digital Channels
Migration to Digital Channels QoQ 77% 76% 70% 60% 60% 40% 40% 30% 24% 23% Mar Jun Sep Dec Mar Jun Sep Dec Mar Mar 21 21 21 21 22 21 21 21 21 22 ATM, BNA & Digital Transactions Branch Transactions Transactions through ATM, BNA & Digital Channels improved by 17% YoY (Q4 FY21 to Q4 FY22) 38/51
Slide 40: Digital Banking
Digital Banking Net Banking Users in lakhs Net Banking Transactions in lakhs Users in lakhs Credit Cards Users in lakhs Debit Cards 65 359 270 1.54 57 332 253 1.33 YoY YoY 14% YoY YoY 8% 7% 16% Mar'21 Mar'22 FY21 FY22 Mar'21 Mar'22 Mar'21 Mar'22 Users in lakhs Users in lakhs Transactions in lakhs in
Slide 41: Digital Banking - Initiatives
Digital Banking - Initiatives ATM & Cards Digital Offerings ATM • Loan Lifecycle Management System (LLMS) – for ‘End to End’ Digital Lending • Interoperability Cash Deposit facility in BNA . • Lead Management System (LMS) for conversion of Leads into business. Debit/Credit Card • Integration of Nati
Slide 42: Business Network
Business Network Domestic Overseas Branches Region-wise 3 5732 684 Northern ATMs & BCs BNAs 9657 4925 140 North Eastern Pan India Touch Points: 20314 399 Western 1403 Eastern Population group wise Central 1252 Southern FY22 No.of branches 1854 Opened 21 Merged 88 (291 since amalgamation) 41/51
Slide 43: Staff Position of the Bank
Staff Position of the Bank Category Average % of Female Total Male Female (as on 31.03.22) age of staff staff Officers 24246 17565 6681 37 28% Clerks 12577 8093 4484 39 36% Sub-staff 2616 2249 367 47 14% Full Time Sweepers 295 225 70 45 24% Total (Domestic) 39734 28132 11602 38 29% New HRM Portal
Slide 44: Initiatives
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Slide 45: Initiatives – Project WAVE
Initiatives ‘ Project – WAVE ’ World of Advanced Virtual Experience Digital Lending Journeys Creating seamless digital journeys for automated • Created exclusive Digitization Cell on 30.12.2021 for undertaking key digitization initiatives to underwriting aimed at customer convenience spearhead disru
Slide 46: Initiatives
Initiatives Ind Spring Board … Financing for Start-ups MOU with MSME Prerana has been successfully covered in 10 states / UT (Uttar Pradesh, Tamil Nadu, Pondicherry, Maharashtra, Telangana, Uttarakhand, Gujarat, Odisha, West Bengal and IIT, in 7 languages benefiting more than 1100 entrepreneurs Biha
Slide 47: Environmental, Social & Governance (ESG) Practices
Environmental, Social & Governance (ESG) Practices Environmental Social • Implemented Solar Power plant of 55 kW for IMAGE Auditorium, 106 kW for HO/ CO and 115 kW for 11 • CSR Activities covering Education, Health branches across Chennai city. Care, Environment, Rural Upliftment, Poverty • Harnessi
Slide 48: Joint Venture & Subsidiary
Joint Venture & Subsidiary 31.03.2022 (Provisional) Joint Venture • Consortium of credible Public & Private Corporate entities from India and Sompo of Japan as promoter. In the business of Stock Broking & • Incorporated & licensed in 2007. DP. • Fully operational in April 2009. Listed on NSE and
Slide 49: Regional Rural Banks (RRBs)
Regional Rural Banks (RRBs) ` in Cr TNGB (Un-audited) SGB (Audited) PBGB (Audited) Total Parameters YE YE YE YE YoY YoY YoY YoY Mar'21 Mar'22 Mar'21 Mar'22 Mar'21 Mar'22 Mar'21 Mar'22 Business 30578 34711 14% 15434 17453 13% 1731 1957 13% 47744 54121 13% Operating Profit 463 571 23% 362 397 9% 14 16
Slide 50: Awards & Accolades
Awards & Accolades Best Performing Bank under State level NABARD Award in SHG Credit Tamil Nadu State level NABARD Award SHG-Bank Linkage Program for FY 21 Linkage– FY 21 FY 21 Ministry of Rural Development, GoI awarded Indian Award for Award for the Best Financial Performance and Bank , ‘Best Perfo
Slide 51: Disclaimer
Disclaimer This presentation has been prepared by Indian Bank (the “Bank”) solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person. Certain forward-looking statements in these slides involve a number of risks, u
Slide 52: Thank you
Thank you | ®